Mortgage by Melisa Olson

06/16/2026

A 1929 Tudor with a casita for under $500K doesn’t usually move this clean—and definitely not in 15 days.

20% down on a non-owner occupied investment property, locked in at a 6.750% rate, and structured with max allowable 3% seller concessions plus additional credits toward repairs.

We also negotiated a short COE without adding friction to the deal, keeping everything clean from contract to close.

What made this work wasn’t the property or the timing—it was how the deal was structured and negotiated from the start.

Most buyers focus on price or rate in isolation.
That’s not how you win in today’s market.

Leverage is created in the structure.

🏘️ If you’re sitting on the sidelines waiting for conditions to “improve,” you’re competing against people who are already building deals like this. Message me “INVEST” to what options work best for you!

DM “INVEST” if you want to understand what’s actually possible with the right setup.

06/13/2026

Most people think homeownership is about the mortgage payment.

But that’s rarely what homeowners talk about after they buy.

☀️ They talk about having a backyard to enjoy on a Saturday afternoon.

🥘 A kitchen that finally works for the way they live.

🪅 A place where friends and family can gather without checking with a landlord first.

The numbers matter. The interest rate matters. The monthly payment matters.

But what you’re really buying is the freedom to create a life that’s yours.

🎁 Maybe it’s hosting family for the holidays.

☀️ Maybe it’s having enough room for your pets to sprawl out in the sun.

🏡 Maybe it’s simply walking through the front door after a long day and knowing you’re home.

The biggest surprise for many buyers isn’t getting approved—it’s realizing they were closer than they thought.

If you’ve been wondering whether buying is possible, let’s find out together.

📩 Send me a message with the word “HOME” and I’ll help you explore your options. No pressure, no commitment—just a conversation about what’s possible.

04/20/2026

Most loan denials come down to a few key factors—and many of them can be corrected.

It’s not always about whether you qualify, but how your file is structured and which loan program is used.

If you’ve been denied, a second review can make a meaningful difference.

Message me ‘REVIEW’ if you’d like me to take a closer look at your options.

04/17/2026

Come see Nikki and I from 12-3 in Surprise, AZ tomorrow for this Open House, we look forward to your arrival!

Homestead at Marley Park Home Tour | 3 Bed + Tandem Garage in Surprise AZTake a tour of this beautifully upgraded 3 bedroom, 2 bathroom home in Homestead at ...

04/17/2026

If you were denied by a lender, homeownership isn’t off the table.

Loan programs and guidelines vary, and the way a file is structured matters.

A second review can often uncover options that were missed.

If you’d like me to take a look, message me ‘REVIEW’ and I’ll walk you through your options.

Contact me at:
📱 (928) 221-9478
✉️ [email protected]

10/15/2025

Congratulations to Mr. & Mrs. Carr! 🎊

We went to Strawberry this last weekend to celebrate the union of these two beautiful souls, it’s always a blessing to be invited to celebrate the love two people share. I’m a sucker for a good love story, and an even bigger sucker for a beautiful wedding. We cried, we danced, we laughed, we celebrated, but most of all - we were able to witness these two become one. 🤍

Here’s to many years filled with love, grace and an abundance of blessings. 💐

09/19/2025

Client testimonials make my heart warm! I love what I do with all of my heart, and being able to be a part of new beginnings and helping my clients find their next home overwhelms me with gratitude. 🩵

There is nothing like the excited smile of a new homeowner, knowing that they’ve finally made it home! 🏡

If you’re looking for your dream home, or your next home, don’t hesitate to contact me with any scenarios or questions. I would be honored to help you turn your dreams into your reality! 🤗

Contact me at:
📱 (928) 221-9478
✉️ [email protected]
🏡 Mortgage Broker | NMLS 2178538
🏢 Nyfty Lending, LLC | NMLS 2503010
📍 Licensed in Arizona

09/19/2025

Client testimonials make my heart warm! 🥰 I love what I do with all of my heart, and being able to be a part of new beginnings and helping my clients find their next home overwhelms me with gratitude.

There is nothing like the excited smile of a new homeowner, knowing that they’ve finally made it home! 🏡

If you’re looking for your dream home, or your next home, don’t hesitate to contact me with any scenarios or questions. I would be honored to help you turn your dreams into your reality! 🤗

Contact me at:
📱 (928) 221-9478
✉️ [email protected]
🏡 Mortgage Broker | NMLS 2178538
🏢 Nyfty Lending, LLC | NMLS 2503010
📍 Licensed in Arizona

09/15/2025

I am thrilled to announce that we have a new homeowner out here! 🏡 Not only were we able to find Davianna’s perfect home under $350,000 with everything she needed, I was able to get her down to a 5.875% interest rate with payments lower than expected as well!✨

This sale was extra special because not only is Davianna a first-time homebuyer, but she’s also a mother of 5 - all whom she was able to surprise with this home today! How she was able to pull off that surprise, with an extended COE on sellers behalf, is beyond me! Their faces made every little step worth it, I’m ecstatic I was a part of making this happen.

Davianna, I’m so grateful that you chose myself and as your team for this transaction, and to help you open up your next chapter. I can’t wait to see you grow and see where you end up next, you worked so hard for this and deserve it. I thank you for your friendship, and your trust. Congratulations, you did it!💐

If you’re looking for your dream home, or your next home, don’t hesitate to contact me with any scenarios or questions. I would be honored to help you turn your dreams into your reality! 🤗

Contact me at:
📱 (928) 221-9478
✉️ [email protected]
🏡 Mortgage Broker | NMLS 2178538
🏢 Nyfty Lending, LLC | NMLS 2503010
📍 Licensed in Arizona

05/20/2025

I want to wish a *huge* congratulations and welcome home to our newest homeowners, Lucky and Kara! 🏡 We got them home just in time for baby number 4! 🥳🍼

This home is about to be filled with so much joy, laughter, love and a million warm memories. They found a beautiful home in a great neighborhood to raise their family, and I can’t wait to see what they do with this place! These two work their butts off, and I’m so happy to see them make one of the greatest investments of their lives that they wholeheartedly deserve. This transaction had some ups and downs that were out of our own control, but thankfully we made it through each and every one of them, sprinting to the finish line!

It’s an honor to be chosen to walk alongside them on this journey, and I’m elated I was able to deliver everything I promised and more! 🤗 We were locked in to a 6.125%, and by the end of it all, we closed with a 5.875% interest rate, max payments under $2,300 and a 1-0 buydown that I was able to provide these two for their first year as homeowners.

Lucky and Kara, I’m so proud of you two. And, thank you! 🙏🏻

If you’re looking for your dream home, or your next home, please don’t hesitate to contact me with any scenarios or questions. I would be honored to help you turn your dreams into your reality! 🤗

Contact me at:
📱 (928) 221-9478
✉️ [email protected]
🏡 Mortgage Broker | NMLS 2178538
🏢 Nyfty Lending | NMLS 2503010
📍 Licensed in Arizona